The Research On The Competitiveness Of China's Medium Or Small-sized Joint-stock Commercial Banks

Finance is the core of the modern economy, while banks are an important form of finanial circles. Especially for China, with lacking of capital market development, dominenting indirect financing, the banks' position have become more important. The medium or small-sizes joint-stock commercial banks are the more active component of the direction of development of commercial banks. They give a great deal of financial support to the development of medium or small-sized private enterprises. Therefore, the research on China's medium or small-sized joint-stock commercial banks has become an important component in financial theory of China. While, the present study of medium or small-sized joint-stock commercial banks focuse on the analysis of functional orientation, the system arrangements and corporate governance issues. Study on competitiveness are less. The reality of China's medium or small-sized joint-stock commercial banks is:since its inception, with its flexible mechanism, the more advanced concepts as well as the advantages of no historical burden, they have been got rapid development. But facing fierce market competition, medium or small-sized joint-stock commercial banks become increasingly apparent disadvantage. Therefore, comprehensive analysis on competitiveness of medium or small-sized joint-stock commercial banks of China, then make the effective strategies to enhance competitiveness is undoubtedly of great theoretical and practical significance.In chapterⅠ, on the basis of the background of China's financial reform and development, the aim of the research and the significance are expatiated. The subject are defined, too. ChapterⅡbases on the theory expoundes the basic concept of the competitiveness of enterprises and features, cleares the special nature of commercial banks, then research methods of competitiveness are reviewed. ChapterⅢdetailes the emergence and development process of their development, analysis the causes of internal and external factors, then researches the current competitiveness of medium or small-sized joint-stock commercial banks, obtaines advantages and disadvantages of them on comparison with other types of banks. The index system construction and method of selection are analyzed in the fourth part. Chapter V is the empirical analysis. Finally, this paper put forward a sense of measures and strategies on the basis of combining with empirical analysis and the factors effecting the competitiveness of the banks.By empirical research, this paper reached the following conclusions:By factor analysis, the paper obtained,Bohai Bank, Shanghai Pudong Development Bank and Evergrowing Bank have the strongest competition in China's medium or small-sized joint-stock commercial banks, but simply on a particular point of view, there are difference between various banks in 2008.According to the study, this paper presents four policy proposals at last:(1) further clear current market position; (2)make efforts to strengthen financial innovation capacity; (3)gradually optimaze organizational capabilities; (4) actively involve in the financial ecological construction.